Bank of America® Unlimited Cash Rewards credit card
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Credit Score
Intro Offer
$200
online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Annual Fee
$0
Rewards Rate
2% cash back on all purchases for the first year from account opening
Foreign Fee
3%
Purchase APR
0%
Balance Transfer APR
0%
Regular APR
17.49% - 27.49% Variable APR on purchases and balance transfers
Editor's Take
CardCompareHub editorialEditorial Note: This analysis reflects CardCompareHub's independent review. It has not been reviewed, approved, or endorsed by Bank of America.
An unlimited cash-back card with no annual fee, a welcome bonus, a long 0% intro APR, and a first-year rate boost. The first-year promotion meaningfully changes the math: a household using this as a primary card earns noticeably more in year one than at the steady-state rate.
Preferred Rewards boosts can take the steady-state rate above 2% for top-tier BoA customers, which would make this the highest-earning unlimited cash-back card on the market. Without the boost, the Citi Double Cash earns at an effectively higher rate without any first-year cliff, which beats this card's long-term rate. Best fit: BoA banking customers; everyone else, the Double Cash is the simpler answer.
Card Details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn.
- Thereafter, you’ll earn unlimited 1.5% cash back on all purchases, with no expiration on rewards as long as your account remains open.
- No annual fee.
- Select your card design option when you apply – the Unlimited Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Bank of America® Unlimited Cash Rewards credit card
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Rates & fees apply. See issuer's website for full terms and conditions.